Thanks for your publication. I would like to remark that the first thing you will need to do is determine if you really need repairing credit. To do that you need to get your hands on a replica of your credit file. That should never be difficult, since the government makes it necessary that you are allowed to get one free of charge copy of your real credit report yearly. You just have to inquire the right folks. You can either look into the website for the Federal Trade Commission or contact one of the major credit agencies instantly.